Who files for insurance, buyer or seller if item lost?

Ogden

Who has the responsiblity for filing an insurance claim if an item never gets to the buyer.

Thanks
Ogden

nwcs

I believe it is the seller, since they hold the receipt for the item.

coinguy1

Ogden,

The insurance claim should be filed by the seller, as hopefully, he is the person who shipped AND insured it.

gemtone65

Technically, Coinguy 1 and NWCS are undoubtedly correct. In practice, the buyer is significantly disadvantaged assuming he's already paid for the item. In such cases, it would be useful for him to obtain the insurance/registration number from the seller and attempt to track down the package. Relying on a seller to do this is problematical, at best. I had a situation like this, obtained the registration number, and worked with the Post Office to locate the package successfully.

Lakesammman

I always make it clear that if there is a problem, I expect the seller/shipper to deal with the claims process.....this following a disaster where the seller refused to assist.

paigowjohnny

Been down this road....

The shipper has to initiate the claim, as he actually bought the insurance. You as the buyer/receiver normally have to sign a form and/or provide a signed statement that you didn't receive the item and how much you paid for it. If it's USPS, a claim can't be started until 30 days after the item was shipped.

It's a damn nuisance...and this time of year it'll probably take some time to resolve...but this has happened to me twice with USPS as a buyer, and I finally did get my money.

grip

The last claim form I sent in had to be filled out by both party's.Al

DCAMFranklin

Paigowjohnny- I don't believe the sender has to file the claim. In fact, I know that is not the case. The only transaction in which I was involved requiring a postal insurance claim, I received a 1957 PCGS PR-68 Franklin which had the holder smashed diagonally from the top left of the holder to the bottom right corner. I obtained the postal insurance claim form and sent it to the seller. He completed his portion, signed it and attached his postal insurance receipt. I completed my portion, signed the form, included the broken holder and the partially ripped bubblewrap envelope (was told this was very important by my postal clerk) and received my check in like 3-4 weeks. Good luck Ogden!

paigowjohnny

DCAM....I stand corrected on damaged claims, however you got a damaged good...our original poster claimed non-receipt, which is what happened to me both times I got involved. Since I never received anything to claim damage, both my post office and the one of the sender told us that the sender/seller had to initiate the claim. In one instance, all I had to do was draft and forward a signed letter from me claiming non receipt, description of the goods, and price paid to the seller to include with the claim. In the second instance, they actually sent me the original claim form initiated by the seller to fill out and sign/return.


In any event...both parties should be talking and agree as to how to proceed...